Ever since the dawn of civilization, man has been trying to bridge between his wants & his limited means to achieve his wants. When he invented a fishing rod, his objective was never to play with it but to catch a fish. Following this basic logic man can save his energy, wealth & time. Similarly, it has always been difficult for all of us to distinguish between the terms 'insurance' & 'coverage'.
Insurance is a popular term that symbolizes a sense of security for people of different ages & economic strata. Once we have insurance, we start believing that our lives have suddenly become secured & safe. It is when we face the unforeseen circumstances of life that we realize that we are not covered properly. Suppose my car gets damaged by another car & my insurer has to say that they would have covered the damages had they been inflicted on the other car. We do often have similar experiences with our health insurance too. Its quite common that we get medically treated & submit our claims to find to our dismay that we are not covered at all. It is then that we start wondering why we had been paying premiums regularly for such a long time.
That is the reason all health advisors would suggest that you concentrate more towards your coverage than your insurance. It is quite natural that you would like to derive a maximum of your coverage benefits out of your plan irrespective of its being a discount plan or Medicare. In order to understand the benefits under your plan, you would need to study the policy clauses carefully. A careful consideration of the policy exclusions & alternatives would certainly get you closer to the reality. You could always find a better alternative which might just come to you in the form of a Paid service plan or Fee for service plan. It is always a better option for today's expensive dental care costs, since it comes without any exclusions, without yearly limitations, without any waiting periods & assures coverage for even your distant relatives.
Thus it is important for you to get a fair view of the yearly limits & other facts associated with your policy. You should never hesitate to demand an explanation for the costs even before you sign up for a policy.
Insurance is a popular term that symbolizes a sense of security for people of different ages & economic strata. Once we have insurance, we start believing that our lives have suddenly become secured & safe. It is when we face the unforeseen circumstances of life that we realize that we are not covered properly. Suppose my car gets damaged by another car & my insurer has to say that they would have covered the damages had they been inflicted on the other car. We do often have similar experiences with our health insurance too. Its quite common that we get medically treated & submit our claims to find to our dismay that we are not covered at all. It is then that we start wondering why we had been paying premiums regularly for such a long time.
That is the reason all health advisors would suggest that you concentrate more towards your coverage than your insurance. It is quite natural that you would like to derive a maximum of your coverage benefits out of your plan irrespective of its being a discount plan or Medicare. In order to understand the benefits under your plan, you would need to study the policy clauses carefully. A careful consideration of the policy exclusions & alternatives would certainly get you closer to the reality. You could always find a better alternative which might just come to you in the form of a Paid service plan or Fee for service plan. It is always a better option for today's expensive dental care costs, since it comes without any exclusions, without yearly limitations, without any waiting periods & assures coverage for even your distant relatives.
Thus it is important for you to get a fair view of the yearly limits & other facts associated with your policy. You should never hesitate to demand an explanation for the costs even before you sign up for a policy.
